Category: KFZ-Versicherung Forum

Good evening together, I had an accident a few months ago. About the annual insurance letter I learned that I bear the full debt and are correspondingly higher graded, from SF1 to the SF S. I am with the Admiraldirekt. Previously I had telephoned the Admiraldirekt inquired how high the damage amount is and what their calculator says, whether I pay the damage myself or have it covered by the insurance. Now the computer part: I would have to pay 1290€ for I am currently in the SF1 and pay 640€ per year. Next year I would be in the SF2 and would pay 590€. With the upcoming SF S I would pay about 97€ next year. The lady at the admiral told me that up to 1250€ damage would be worth paying for myself. However, the calculation is not exactly because she does not know how the prices will change in the coming years. In the same way, however, it was said that if I would pay the opponent’s vehicle. I will be reclassified to the SF1 for 2017. Nevertheless, she recommends that I pay for the damage from my own pocket. Do I stand on the hose and forget something or do they want to drag me over the table? It would be much more sensible to cover the damage from the insurance?

Hello together! I bought a new used one in May 2015 and then I was charged the entire insurance amount (1 year) in June. Had until yesterday a lot of stress and could deal with it yesterday for the first time. I asked the Direct Line and got the info that I can only cancel my insurance until May. In May then the tariffs of the other insurers are not as good as in November. Is there for me a possibility from the contract r to make my contracts again and again until May? Perhaps only half-yearly contracts (is that possible)? Would like to have my contract term ended again on December 31st. Greetings

Hello, after an accident the following report has been prepared: replacement value: 220€ residual value: 100€ repair costs: 680€ The whole is, completely clear, an economic total damage. However, I want to continue driving and repair the car, the high sum is only possible if I buy all the parts new and original and commission the whole in a contract workshop or similar. My plan is now as follows: – Get parts used (time-appropriate repair) – Selber ze relagen – welding work to the body builder – assembly – 1-2 parts possibly repaint So I come to 1500-180€ repair costs, depending on how much has to be painted (condition of the parts). The body builder would only replace the wheelhouse and do a few smaller assembly work, then comes still the paintr. My questions: – Can I repair my car myself odr is it not done properly and professionally? – How does it go on if the car then – Can I have the repair calculated, i.e. 2,2k*1,3 = 2860€?

Hello together, I hope I didn’t miss anything during the research. Otherwise please delete. I had an accident with a foreign driver almost half a year ago. The day after the accident I presented my car to my contract workshop and got an expert appointment for in 2 weeks as well as a repair appointment in another week. In total a little over 20 days until the transfer of the unrepaired vehicle to the workshop came to order. (I then had a workshop replacement car from that point on). -The report noted “Vehicle is ready to drive but not traffic safe because headlights are broken (damage to lighting)” -A vehicle category of €50/day was chosen as the daily rate for the failure of use. Now my lawyer informed me that I would have had a duty to reduce damage and should have chosen an earlier workshop date. There would not be a right to use failure. I am not 12 hours after the accident to the workshop and I also gave the repair order there immediately. The appointment for the expert and the repair was given to me and I did not use the vehicle except for a few exceptional situations under tags until the repair. I assume that I have the fullest claim to the loss of use. Why do I ask the question here and not the lawyer? -The damage matter is already about a Half a year (foreign insurer) The paper mountain is enormous. The jurisdiction of the case has changed several times. I have the impression that the firm wants to finally get rid of the case (which I can understand). Therefore I would like to have the opinion of you whether it is promising for me to ‘discuss’ with my lawyer about the matter or let the matter be based on itself. But after all, this is not about little money.

This is a case of my own fault, but still nasty. I sold my motto wheel and bought a car. Had SF8 before and wanted to take it with me. At Check24 I picked out a cheap insurance (250€ at Admiral-Direkt) , unfortunately I missed that somewhere in the details is that damage-free years are only taken over by car .. The insurance is also not Kulant and I can not out for a year (is 490€…) Have also sometimes all of course Admiral is the only insurance with this scheme. Are insurance companies obliged to accept damage-free years? Can I get out of there as I assumed another price? Otherwise any ideas? Thank you very much! Greetings Andi

The following happened to me! I completely forgot to report to my insurance company the annual Km performance! Was asked 2x and both times I forgot it again! Now I got a new contribution invoice to my insurance with an increase! Pay always monthly and in October the contribution was already collected! Now the insurance now in October collects a contribution and that is the increased! Is that right? If I report the driving performance, I get my old post back???

Good morning together, I’m still a bit through the wind and therefore ask for your help. Before on the way to work someone is driving me into the side. The driver has taken the blame so that we want to do everything without police and possibly without insurance. We exchanged data. On my car the bumper is scratched and minimally sealed, to this the fender is scratched somewhat. Now I am a little uncertain how the procedure is there an accident as soon as possible to the Versiche I wanted to go to some car paint shop earlier today to get an estimate. I would inform the accident opponent of the costs. If he agrees, I will have the money transferred and the paint work carried out on it. After that I will send a letter that the work has been done and no further costs are to be expected. If not, I would have the damage to their insurance insurance as soon as possible. g report. Is that right? The car went funny from the feeling after the accident. But that could only have been imagination. Anyway, there is nothing to see on the tire. I think/hope a car paint shop would also detect mechanical errors?

Hello, I have already read diligently, but a case like the following has not yet been discussed: 1.) My brother has inflicted a total damage to his relatively young Honda Jazz. The comprehensive insurance has paid out, of course net. The VAT will be paid afterwards if he proves that he has spent the money on a new car. That’s how it is customary. 2.) He plans to buy a new Honda Jazz (new car). 3.) My father, on the other hand, wants his 12 years al 4.) We had planned to combine my brother’s purchase of new cars with the scrapping of the Clios by officially buying and registering my father’s new car for my brother. Then, of course, my father would get the scrapping premium (because new cars were bought and Clio scrapped) and could use it for the purchase of a used car for himself. My question can almost be thought of at this point. Does the insurance pay the VAT, although my father and not my brother is in the purchase contract? For example, by proving that it is his money that is used for the purchase. Or in any other way? Or is it just because it is within the family? Or no chance? I would be happy if someone could help me! Thank you in advance! martin2k

Hello, I’m not quite sure if this is the right forum, but I didn’t find a more suitable category. I missed a standing car (Polo III (Type 6N)) last weekend while parking backwards. He was standing behind me on the left and I then put my left part of the rear bumper in two small abrasions into the bumper of the polo. I have only some very fine scratches, but they can be polished out (Alfa Romeo 147). So wait for the driver, who was a young woman with about 20 years of age. I gave her my contact details and she said that she would drive to the workshop and then report to her. At the beginning of this week the father then contacted the driver and said that he had a KVA over 800EUR, because apart from the two known paint damage would also be a dent in the car and also in the side part some paint damage. In addition he would insist on a rental car. In my opinion, however, I could not have touched the side part. He listed his complete rights to me during the telephone call and wanted to urge me to pay immediately. At my request to be able to look at the accident damage again, he did not enter and otherwise he did not take up his negotiating permission, he seems to know his rights very well and to take advantage of them for his financial advantage. The fact that he doesn’t give me the opportunity to look at the damage makes me sloppy, whether the other alleged damages can be from me at all. The only possibility would probably be an expert opinion, but that I would probably have to pay myself… Whether this pays off for the ill-predictable chances of success is unclear to me Do you have any tips for me or do you advise me to just pay and let it be good… I hope someone can help me if Yes, thank you very much.

Hello I have the following problem I got on 31.01.09 a back right into the car culprit question was no problem and I also got quite quickly from the opposing insurance a write that the damage is taken over in the ramen of your entry obligation so I’m dekra to make an opinion what then arrived the day before yesterday as duplicate also with me and today I get from the dekra a 2nd report in which stands “wie mit Herrn … vom VVD(gegenderische Versicherung) am 17 .02.09 discussed by phone replaces this opinion the opinion with the nr: … from 13.02.09 since in this an incorrect calculation was included so I compared the opinions with each other the damage is still equal: main damage area the vehicle was damaged in the rear area right damage description the rear thruster is scraped on the right side and moved upwards the right rear side part is inserted in the area in front of the closing light but now it is obviously a cheaper solution opinion 1 (in case of wage calculation) bumper h replace (decomposed) side wall r replaces includes: seat bench side panels side windows bumper rear light and sky off/installation does not include: fuel tank disassembly/installation and now the abbreviated version in the 2nd opinion time supplement to a main position bumper h replace (decommissioned) back light fixture r/e install page wall repair additional changes in the 2nd opinion sin still that the costs for the page wall (because of repair) fall away the paint works are cheaper and where before a value improvement of 250 euro stands see nothing anymore and now I should not get any more amount x but rather quite exactly the half of total x what do you think about it all goes with right things and I have to have stood with the repair or can be on e in the exchange